International Money Express (IMXI) AI Stock Analysis

• Market Cap: $427.45M
• Dividend Yield: N/A
• Average Volume (3M): 984.11K
• Price to Earnings (P/E): 8.8
• Beta (1Y): 0.97
• Revenue Growth: -4.19%
• EPS Growth: -3.52%
• Country: US
• Employees: 1,101
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Infrastructure
• EPS (TTM): 0.51
• Shares Outstanding: 29,684,053
• 10 Day Avg. Volume: 328,418
• 30 Day Avg. Volume: 984,112
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 0.69
• Enterprise Value/Revenue: 0.46
• Enterprise Value/Gross Profit: 0.79
• Enterprise Value/Ebitda: 2.90
• 1Y Price Target: $16.00
• Price Target Upside: 11.11% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 3

• Rating: 69 Neutral
• Price Target: $16.00 ▲(11.11% Upside)

International Money Express has a stable financial position with strong cash flow performance, but faces challenges in revenue growth and profitability margins. The technical analysis indicates the stock is overbought, suggesting caution. The low P/E ratio points to potential undervaluation, while the merger with Western Union is a positive strategic move. However, the revised earnings guidance reflects market uncertainties.

Positive Factors

Strategic Partnership

The partnership with Zeepay expands IMXI's reach into African markets, leveraging Zeepay's network. This strategic move enhances IMXI's market position and service offerings, potentially increasing transaction volumes and revenue over the long term.

Merger with Western Union

The merger with Western Union is expected to enhance IMXI's market presence and operational efficiencies, particularly in Latin America. Anticipated cost synergies of $30 million annually within 24 months will likely improve profitability and competitive positioning.

Digital Transactions Growth

Significant growth in digital transactions reflects successful strategic investments in digital marketing and platform improvements. This trend positions IMXI well for future growth as digital channels become increasingly important in the fintech sector.

Negative Factors

Revenue Decline

The decline in revenue indicates challenges in maintaining sales growth, which could impact long-term profitability. This trend may suggest competitive pressures or market saturation, requiring strategic adjustments to reverse.

High Leverage

High leverage poses a risk to financial stability, potentially limiting IMXI's ability to invest in growth opportunities. Managing this debt is crucial to maintaining financial flexibility and avoiding strain on cash flows.

Revised Earnings Guidance

The revised earnings guidance indicates caution due to market uncertainties, potentially impacting investor confidence and long-term strategic planning. This reflects challenges in forecasting and adapting to changing market conditions.

International Money Express Business Overview & Revenue Model

Company Description

International Money Express (IMXI) is a leading provider of money transfer and payment services, specializing in facilitating cross-border remittances and financial transactions for individuals and businesses. Operating primarily within the financial technology sector, IMXI offers a range of core services including money transfers, bill payments, and prepaid debit card solutions, catering to a diverse customer base that includes migrant workers and their families. The company leverages a robust network of agents and retail partners to deliver its services efficiently across various regions, particularly in Latin America and the Caribbean.

How the Company Makes Money

International Money Express generates revenue primarily through transaction fees charged on money transfers and remittances. Each transaction incurs a fee that varies based on the amount sent, the destination, and the chosen delivery method (cash pickup, bank deposit, etc.). Additionally, IMXI earns money from foreign exchange spreads when converting currencies for international transactions. The company also benefits from partnerships with banks and retail outlets, which can provide additional avenues for revenue through agent commissions and service fees. Marketing partnerships and promotional campaigns further enhance their customer reach, contributing to increased transaction volumes and overall profitability.

International Money Express Financial Statement Overview

Summary

International Money Express shows a stable financial position with areas for improvement. The income statement reflects challenges in revenue growth and profitability margins. The balance sheet indicates high leverage, which could pose risks if not managed carefully. Cash flow performance is a positive highlight, showing strong growth and improved cash conversion.

Income Statement

The company shows a mixed performance in its income statement. The gross profit margin has decreased significantly in the TTM period compared to the previous year, indicating potential cost pressures or pricing challenges. Net profit margin and EBIT margin have also declined slightly, reflecting reduced profitability. Revenue growth is negative in the TTM period, suggesting a contraction in sales. However, the company maintains a reasonable EBITDA margin, indicating operational efficiency.

Balance Sheet

The balance sheet reveals a high debt-to-equity ratio, which has improved slightly in the TTM period but remains a concern for financial stability. Return on equity is strong, indicating effective use of equity to generate profits. The equity ratio is moderate, suggesting a balanced approach to financing with both debt and equity.

Cash Flow

Cash flow analysis shows a significant improvement in free cash flow growth in the TTM period, indicating better cash generation capabilities. The operating cash flow to net income ratio has improved, reflecting better cash conversion. However, the free cash flow to net income ratio, while improved, suggests room for further enhancement in cash efficiency.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	642.15M	658.65M	658.74M	546.80M	459.21M	357.21M
Gross Profit	371.98M	590.40M	222.47M	182.00M	151.75M	118.61M
EBITDA	101.19M	108.66M	108.36M	92.38M	77.34M	63.70M
Net Income	51.46M	58.82M	59.52M	57.33M	46.84M	33.78M
Balance Sheet
Total Assets	518.01M	462.38M	576.81M	512.07M	340.54M	259.47M
Cash, Cash Equivalents and Short-Term Investments	174.72M	130.50M	239.20M	149.49M	132.47M	74.91M
Total Debt	160.28M	181.67M	215.86M	183.74M	83.09M	87.62M
Total Liabilities	375.76M	327.45M	427.77M	362.17M	197.50M	165.21M
Stockholders Equity	142.25M	134.92M	149.04M	149.91M	143.04M	94.26M
Cash Flow
Free Cash Flow	85.91M	23.09M	130.72M	3.00M	67.51M	-4.94M
Operating Cash Flow	105.60M	53.09M	143.53M	15.17M	78.10M	-880.00K
Investing Cash Flow	-33.83M	-43.95M	-18.28M	-12.53M	-10.77M	-4.06M
Financing Cash Flow	-129.91M	-114.20M	-37.12M	14.06M	-9.62M	-6.16M

International Money Express Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 14.40
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IMXI, the sentiment is Positive. The current price of 14.4 is below the 20-day moving average (MA) of 14.50, above the 50-day MA of 12.40, and above the 200-day MA of 14.36, indicating a neutral trend. The MACD of 0.47 indicates Positive momentum. The RSI at 66.02 is Neutral, neither overbought nor oversold. The STOCH value of 21.67 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IMXI.

International Money Express Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PAYO	75 Outperform	2.37B	25.03	12.95%	―	13.02%	-2.57%
DLO	73 Outperform	4.48B	29.53	32.57%	―	22.02%	12.42%
IMXI	69 Neutral	$427.45M	8.79	36.15%	―	-4.19%	-3.52%
EEFT	68 Neutral	3.66B	12.19	24.48%	―	8.71%	25.75%
PAYS	67 Neutral	306.02M	46.37	12.54%	―	27.84%	-13.78%
STNE	56 Neutral	5.27B	-28.76	-10.95%	―	-20.82%	-154.29%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%

International Money Express Corporate Events

International Money Express Merges with Western Union

On August 10, 2025, International Money Express, Inc. (Intermex) entered into a merger agreement with The Western Union Company, where Intermex will become a wholly owned subsidiary of Western Union. The merger, valued at $16.00 per share, aims to strengthen Western Union’s retail presence in North America and expand its market coverage, particularly in high-growth Latin American regions. The acquisition is expected to enhance Western Union’s digital customer acquisition and operational efficiencies, with anticipated cost synergies of $30 million annually within 24 months. The transaction, approved by both companies’ boards, is set to close in the second half of 2026, pending customary closing conditions and regulatory approvals.

The most recent analyst rating on (IMXI) stock is a Buy with a $27.00 price target. To see the full list of analyst forecasts on International Money Express stock, see the IMXI Stock Forecast page.

International Money Express Chief Legal Officer Resigns

On July 26, 2025, International Money Express, Inc. announced that Robert Pargac, the Chief Legal Officer and Secretary, resigned from his positions with the company, effective July 25, 2025. This change in leadership may impact the company’s legal operations and strategic direction, although specific implications for stakeholders were not detailed in the announcement.

The most recent analyst rating on (IMXI) stock is a Buy with a $23.00 price target. To see the full list of analyst forecasts on International Money Express stock, see the IMXI Stock Forecast page.

International Money Express Approves Amended Equity Compensation Plan

On June 20, 2025, International Money Express, Inc. held its Annual Meeting of Stockholders, where key decisions were made, including the approval of the Amended and Restated 2020 Omnibus Equity Compensation Plan. This plan increases the number of shares authorized for issuance and extends the plan’s term, among other changes. Additionally, stockholders elected two Class I directors, ratified the appointment of BDO USA, P.C. as the independent registered public accounting firm, and approved a non-binding advisory resolution on executive compensation. These decisions reflect the company’s ongoing efforts to enhance its governance and compensation strategies, potentially impacting its operational and financial positioning.

The most recent analyst rating on (IMXI) stock is a Buy with a $23.00 price target. To see the full list of analyst forecasts on International Money Express stock, see the IMXI Stock Forecast page.